REGULATORY MATTERS AND CAPITAL ADEQUACY (Tables)

9 Months Ended

Sep. 30, 2025

Regulatory Capital Requirements under Banking Regulation [Abstract]

Schedule of Actual Capital Ratios And Minimum Ratios

As of September 30, 2025 the actual capital ratios and minimum ratios for the Company, as well as each Bank, are as follows:


	Actual Ratio			Minimum Ratio for Capital Adequacy Purposes		Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions
Total Company
Common equity tier 1 capital ratio (1)	14.0		%	4.5	%	6.5	%
Tier 1 capital ratio (2)	14.0			6.0		8.0
Total risk-based capital ratio (3)	17.5			8.0		10.0
Tier 1 leverage capital ratio (4)	12.4			4.0		5.0
Total risk-weighted assets (5)	$	18,714

Comenity Bank
Common equity tier 1 capital ratio (1)	15.4		%	4.5	%	6.5	%
Tier 1 capital ratio (2)	15.4			6.0		8.0
Total risk-based capital ratio (3)	16.8			8.0		10.0
Tier 1 leverage capital ratio (4)	13.5			4.0		5.0

Comenity Capital Bank
Common equity tier 1 capital ratio (1)	15.4		%	4.5	%	6.5	%
Tier 1 capital ratio (2)	15.4			6.0		8.0
Total risk-based capital ratio (3)	19.0			8.0		10.0
Tier 1 leverage capital ratio (4)	13.6			4.0		5.0

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(1)Common equity tier 1 capital ratio represents tier 1 capital divided by total risk-weighted assets. In the calculation of tier 1 capital, we follow the Basel III Standardized Approach and therefore Total stockholders' equity has been reduced, primarily by Goodwill and intangible assets, net.

(2)Tier 1 capital ratio represents tier 1 capital divided by total risk-weighted assets. In the calculation of tier 1 capital, we follow the Basel III Standardized Approach and therefore Total stockholders' equity has been reduced, primarily by Goodwill and intangible assets, net.

(3)Total risk-based capital ratio represents total capital divided by total risk-weighted assets. In the calculation of total capital, we follow the Basel III Standardized Approach and therefore tier 1 capital has been increased by tier 2 capital, which for us is comprised of subordinated notes, as well as the allowable portion of the Allowance for credit losses.

(4)Tier 1 leverage capital ratio represents tier 1 capital divided by total average assets, after certain adjustments.

(5)Total risk-weighted assets are generally measured by allocating assets, and specified off-balance sheet exposures, to various risk categories as defined by the Basel III Standardized Approach.